FAQ

FAQ Overview

How can I transfer my current pillar 3a assets if they are pledged as collateral for my mortgage?

If your mortgage is with Zürcher Kantonalbank, it’s easy to place a transfer order. If your mortgage is not with Zürcher Kantonalbank, you must contact your mortgage lender.

Mortgage with Zürcher Kantonalbank

  1. Open your frankly pillar 3a in the frankly App or web version.
  2. In the App click on the pillar 3a account you want to transfer your current pillar 3a. Then select «Transfer». In the frankly web version, click on the «Transfer» tile on the right-hand side of the frankly account.
  3. We’ll do the rest for you.  

Mortgage with another lender

  1. Contact your mortgage lender and present the retirement savings agreement from the Zürcher Kantonalbank Savings 3 Pension Foundation.
  2. The mortgage lender will then draw up a pledge agreement and send it to us with a notification of pledge. 
  3. After it is verified, the Zürcher Kantonalbank Savings 3 Pension Foundation will send a confirmation (notification) to your mortgage lender stating that your frankly pillar 3a is pledged in favour of the mortgage. 

The pension assets can then not be withdrawn or transferred without the pledgee's consent.

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